
LeadFund Capital provides a platform for Investors and Funding Partners to deploy capital to participate in the funding and the risk participation of lending transactions. Each lending solution and product presents a specific risk profile, yield, loan to value ratios and term to maturity.
All lending transactions are secured and ring-fenced (Rf’s) in separate legal entities for transparency, value protection and value creation.
Our philosophy and approach are to Lead the risk by way of supporting portfolios with a first loss equity layer to support the coverage and leverage for the senior secured funders.
We are open for business and we have a significant pipeline of transactions and the ability to originate lending transactions which will suit our Investors and Funding Partners’ key portfolio requirements.
Primary Lending
We offer bespoke lending solutions to our Customers with our own capital. Our lending solutions are flexible and specific to the need with the focus to grow our Customer’s business to prosper over the long term with access to the correct capital.
With the use of our own capital, our Customers can enjoy:
- Faster and quicker access to capital within days
- A lending solution which will not only provide access to capital at the right time, but also creates value and success by growing our Customer’s business to prosper
- A lending solution which will grow as our Customer’s business grow (non-static solution)
- Value-add services to ensure downside risk is limited and upside potential is unlimited – our capital is used to create more value for our Customers – Turnover Growth, wider Gross Profit margins, higher profitability and higher overall liquidity
- Access to a vast network of funders, communities and industry players which can add significant value to our Customer’s business be it quantitative or qualitative
Our lending solutions are secured, with moderate to aggressive loan to value ratios, small loan sizes and both short- to long term maturity profiles.
Debt Origination
Outside of the deployment of our own capital, we have the ability and network to arrange any type of debt product or instrument for our Customers. We have access to a vast number of Tier 1 Banks, Tier 2 Banks, Alternative Financiers, Treasury Outsource Companies and Finance Brokers to place our Customer’s debt requirements.
We will assist with Debt Origination where the requirement is not a 100% fit with our Primary Lending Solutions or where the requirement is in addition to our Primary Lending offering. This may be due to the debt size, pricing, term, or security requirements.
Our value proposition to our Customers with Debt Origination focuses on:
- Access to our network of funders which due to scalability will result in better service delivery, better pricing, and better suited and structured lending facilities
- Matching our Customer’s needs with the correct funder and access to capital
- Quicker turnaround
- Personal service
- Higher loan to value ratios
- Higher debt facilities due to our ability to create leverage for our Customer’s by offering, in certain transactions, a first loss equity layer for the senior secured funder
- Transparent communication, pricing, and execution
- Debt Origination strategies for both immediate requirements and / or planning for future Debt Origination events
- Risk Management techniques and strategies for derivative products
SMME Advisory
Our passion for South Africa’s people and businesses are driving this initiative of SMME Advisory. As experienced entrepreneurs, risk- and banking specialists we know what is required and what it takes to build a successful, sustainable, and prosperous business in South Africa irrespective of the market conditions.
We therefore strongly believe in our values and principles that with the support of businesses with growth capital, it is as crucial to ensure the access to capital is correctly managed and deployed. It is also important that the required returns on the capital spend are yielding the correct level of profitability, not only to be able to repay the principal debt, but also to show value to the funder to increase and secure increased facilities overtime for growth and sustainability.
Although SMME’s have access to capital through various channels and means, the advisory service to the capital is lacking and / or very expensive to access for SMME’s on a consultative basis. We believe that SMME Advisory is a crucial value-add to our capital and lending solution offerings to ensure we build together with our Customers sustainable and prosperous business in our country. It is our financial duty to aid, assist and to support.
Advisory aspects will include:
- Growth Strategies – production and sales
- Liquidity Strategies – funding and cash flow management
- Staff and Recruitment
- IT and Infrastructure
- Accounting and Reporting
- Organic growth strategy
- Acquisitive growth strategy
- Risk Management – derivative instruments